Nampa, Idaho Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Nampa, Idaho CD rates include Idaho Central Credit UnionIdaho Central Credit Union215 3rd Ave S, Nampa, ID 83651 3758A+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY, Westmark Credit UnionWestmark Credit Union6034 Birch Ln, Nampa, ID 83687A+5.0 ★Texas Ratio: 2.77%Real return: +1.15%APY minus CPI (February 2026) offering IRA Term Certificate 12 Months at 3.95% APY, Horizon Credit UnionHorizon Credit Union164 E Maine Ave, Nampa, ID 83646A+5.0 ★Texas Ratio: 1.46%Real return: +1.07%APY minus CPI (February 2026) offering 24 Month at 3.87% APY, Pioneer Federal Credit UnionPioneer Federal Credit Union3000 12th Ave Rd, Nampa, ID 83686 8400A5.0 ★Texas Ratio: 9.99%Real return: +0.95%APY minus CPI (February 2026) offering ROTH IRA Term Certificate 12 Months at 3.75% APY, and Connections Credit UnionConnections Credit Union1001 Caldwell Blvd, Nampa, ID 83651A5.0 ★Texas Ratio: 10.50%Real return: +0.95%APY minus CPI (February 2026) offering 5 Year -- One Jump at 3.75% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Nampa has 90 local institutions in our database, with CD rates as high as 4.20% APY from Idaho Central Credit Union at 215 3rd Ave S, Nampa, ID 83651 3758. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Idaho area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Nampa, Idaho & the Surrounding Area
Nampa 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
90 Day
$2,500
3.40%
▲ 2.25% above Idaho avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.25% above avgNationally 1.96%
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Month Certificate
$0
2.53%
▲ 1.38% above Idaho avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 1.38% above avgNationally 1.96%
Details
Early Withdrawal 30 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Month IRA Certificate
$0
2.53%
▲ 1.38% above Idaho avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 1.38% above avgNationally 1.96%
Details
Early Withdrawal 30 day Penalty
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 3 Months
$0
1.25%
▲ 0.10% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 0.10% above avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.09% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▼ 1.09% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.09% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▼ 1.09% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.10% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▼ 1.10% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.10% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▼ 1.10% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
3 Month
$0
3.75%
▲ 2.60% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.60% above avgNationally 1.96%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.60%
▲ 2.45% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.45% above avgNationally 1.96%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.60%
▲ 2.45% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.45% above avgNationally 1.96%
Details
Payment Frequency: Maturity
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
3 Month CD
$0
3.60%
▲ 2.45% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.45% above avgNationally 1.96%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.55%
▲ 2.40% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.40% above avgNationally 1.96%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Month CD
$0
3.55%
▲ 2.40% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.40% above avgNationally 1.96%
Details
Payment Frequency: Maturity
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 90 Day Fixed Rate
$0
3.50%
▲ 2.35% above Idaho avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.35% above avgNationally 1.96%
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3 month
$0
3.50%
▲ 2.35% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.35% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
3 Month Certificate
$0
3.50%
▲ 2.35% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.35% above avgNationally 1.96%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 2.35% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.35% above avgNationally 1.96%
Details
$95,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.30%
▲ 2.15% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.15% above avgNationally 1.96%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.15%
▲ 2.00% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 2.00% above avgNationally 1.96%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 3 Months
$0
3.00%
▲ 1.85% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 1.85% above avgNationally 1.96%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 3 Months
$0
1.40%
▲ 0.25% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average1.15%▲ 0.25% above avgNationally 1.96%
Details
IRA CD .25% Increase (APY): 1.65%
Nampa 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
215 3rd Ave S, Nampa, ID 83651 3758
6 Month Promo CD
$500
3.95%
▲ 1.90% above Idaho avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.90% above avgNationally 2.67%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 6 Months
$0
3.60%
▲ 1.55% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.55% above avgNationally 2.67%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
6 Month
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
6 Month Certificate Account
$500
3.40%
▲ 1.35% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.35% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 6 Months
$0
3.40%
▲ 1.35% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.35% above avgNationally 2.67%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
6 Month
$2,500
3.30%
▲ 1.25% above Idaho avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.25% above avgNationally 2.67%
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
6 Month Certificate
$0
3.10%
▲ 1.05% above Idaho avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.05% above avgNationally 2.67%
Details
Early Withdrawal 30 day Penalty
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
6 Months
$50,000
1.45%
▼ 0.60% below Idaho avg
▼
Rate1.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 0.60% below avgNationally 2.67%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
6 Months
$10,000
1.40%
▼ 0.65% below Idaho avg
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 0.65% below avgNationally 2.67%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
6 Months
$500
1.35%
▼ 0.70% below Idaho avg
▼
Rate1.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 0.70% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
6 month Standard Interest Rate
$2,500
0.06%
▼ 1.99% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 1.99% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.00% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 2.00% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.00% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 2.00% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
4.10%
▲ 2.05% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 2.05% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.95%
▲ 1.90% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.90% above avgNationally 2.67%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
6 Month CD (including Accumulator)
$0
3.90%
▲ 1.85% above Idaho avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.85% above avgNationally 2.67%
Details
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Promo CD
$500
3.90%
▲ 1.85% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.85% above avgNationally 2.67%
Details
Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Months
$500
3.85%
▲ 1.80% above Idaho avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.80% above avgNationally 2.67%
Details
Limited Time Offer. New money required. Effective 04/27/26.
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Months
$500
3.82%
▲ 1.77% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.77% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 6 Months
$0
3.80%
▲ 1.75% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.75% above avgNationally 2.67%
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
6 Months Add-on CD
$0
3.70%
▲ 1.65% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.65% above avgNationally 2.67%
Details
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
Business 6 Months Add-on CD
$0
3.70%
▲ 1.65% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.65% above avgNationally 2.67%
Details
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month BUMP
$500
3.61%
▲ 1.56% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.56% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 6 Months
$0
3.60%
▲ 1.55% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.55% above avgNationally 2.67%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.58%
▲ 1.53% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.53% above avgNationally 2.67%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.58%
▲ 1.53% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.53% above avgNationally 2.67%
Details
Payment Frequency: Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.53%
▲ 1.48% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.48% above avgNationally 2.67%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 6 Month CD
$0
3.53%
▲ 1.48% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.48% above avgNationally 2.67%
Details
Payment Frequency: Maturity
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Month Certificate
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 6 Month
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
6 Month
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
6 Month
$0
3.50%
▲ 1.45% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.45% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 6 Months
$0
3.45%
▲ 1.40% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.40% above avgNationally 2.67%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 6 Month Fixed Rate
$0
3.40%
▲ 1.35% above Idaho avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.35% above avgNationally 2.67%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Months
$0
3.40%
▲ 1.35% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.35% above avgNationally 2.67%
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
6 Months
$0
3.38%
▲ 1.33% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.33% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 6 Months
$0
3.30%
▲ 1.25% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▲ 1.25% above avgNationally 2.67%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 6 Months
$0
1.40%
▼ 0.65% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 0.65% below avgNationally 2.67%
Details
IRA CD .25% Increase (APY): 1.65%
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
6 Months
$0
1.00%
▼ 1.05% below Idaho avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.05%▼ 1.05% below avgNationally 2.67%
Details
Nampa 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
215 3rd Ave S, Nampa, ID 83651 3758
12 Month Promo CD
$500
4.15%
▲ 1.61% above Idaho avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.61% above avgNationally 2.83%
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6034 Birch Ln, Nampa, ID 83687
IRA Term Certificate 12 Months
$0
3.95%
▲ 1.41% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.41% above avgNationally 2.83%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 12 Months
$0
3.75%
▲ 1.21% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.21% above avgNationally 2.83%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
1 Year
$0
3.65%
▲ 1.11% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.11% above avgNationally 2.83%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
12 Month Certificate Account
$500
3.45%
▲ 0.91% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.91% above avgNationally 2.83%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 12 Months
$0
3.45%
▲ 0.91% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.91% above avgNationally 2.83%
Details
Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
716 E COLORADO AVE, NAMPA, ID 83686
12 Month Certificate
$0
3.40%
▲ 0.86% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.83%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
12 Month
$1,000
3.35%
▲ 0.81% above Idaho avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.81% above avgNationally 2.83%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
12 Month IRA
$500
3.35%
▲ 0.81% above Idaho avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.81% above avgNationally 2.83%
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
1 Year Certificate
$0
3.20%
▲ 0.66% above Idaho avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.66% above avgNationally 2.83%
Details
Early Withdrawal 30 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
1 Year IRA Certificate
$0
3.20%
▲ 0.66% above Idaho avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.66% above avgNationally 2.83%
Details
Early Withdrawal 30 day Penalty
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
12 Months
$50,000
1.70%
▼ 0.84% below Idaho avg
▼
Rate1.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.84% below avgNationally 2.83%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
12 Months
$10,000
1.65%
▼ 0.89% below Idaho avg
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.89% below avgNationally 2.83%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
12 Months
$500
1.60%
▼ 0.94% below Idaho avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.94% below avgNationally 2.83%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
1 year Standard Fixed Rate CD
$2,500
1.51%
▼ 1.03% below Idaho avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 1.03% below avgNationally 2.83%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.03% below Idaho avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 1.03% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.04% below Idaho avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 1.04% below avgNationally 2.83%
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
103 12th Ave S, Nampa, ID 83651
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.04% below Idaho avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 1.04% below avgNationally 2.83%
Details
Relationship Interest Rate 1.50%
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.50%
▲ 1.96% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.96% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.35%
▲ 1.81% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.81% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 12 Months
$0
4.20%
▲ 1.66% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.66% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
4.10%
▲ 1.56% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.56% above avgNationally 2.83%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
12 Month Accumulator IRA
$0
4.06%
▲ 1.52% above Idaho avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.52% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Month Certificate
$0
4.00%
▲ 1.46% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.46% above avgNationally 2.83%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 12 Month
$0
4.00%
▲ 1.46% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.46% above avgNationally 2.83%
Details
$95,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
3.95%
▲ 1.41% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.41% above avgNationally 2.83%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
12 Month CD
$0
3.90%
▲ 1.36% above Idaho avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.36% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 12 Months
$0
3.85%
▲ 1.31% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.31% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 12 Months
$0
3.80%
▲ 1.26% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.26% above avgNationally 2.83%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
12 Month Flex (regular only)
$0
3.70%
▲ 1.16% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.16% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 12 Months
$0
3.70%
▲ 1.16% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.16% above avgNationally 2.83%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month BUMP
$500
3.66%
▲ 1.12% above Idaho avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.12% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.60%
▲ 1.06% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.06% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 12 Months
$100,000
3.60%
▲ 1.06% above Idaho avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.06% above avgNationally 2.83%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1 year (12 Month) CD
$0
3.55%
▲ 1.01% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.01% above avgNationally 2.83%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 1 Year CD
$0
3.55%
▲ 1.01% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 1.01% above avgNationally 2.83%
Details
Payment Frequency: Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1 year (12 Month) CD
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 1 Year CD
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Payment Frequency: Maturity
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
Certificate Add On - Small Savers 12 Month
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.83%
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
12 Month
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.45%
▲ 0.91% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.91% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 12 Months
$50,000
3.45%
▲ 0.91% above Idaho avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.91% above avgNationally 2.83%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 12 Month Fixed Rate
$0
3.40%
▲ 0.86% above Idaho avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.83%
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
12 Months
$0
3.40%
▲ 0.86% above Idaho avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.83%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
12 Months
$0
3.35%
▲ 0.81% above Idaho avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.81% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
12 Months
$0
3.30%
▲ 0.76% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.76% above avgNationally 2.83%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 12 Months
$500
3.30%
▲ 0.76% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▲ 0.76% above avgNationally 2.83%
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Months
$1,000
2.27%
▼ 0.27% below Idaho avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.27% below avgNationally 2.83%
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
Youth Saver (Available for Adventure, Discovery, & Explorer Accounts) 12 Month
$0
2.02%
▼ 0.52% below Idaho avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.52% below avgNationally 2.83%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 12 Months
$0
1.80%
▼ 0.74% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.54%▼ 0.74% below avgNationally 2.83%
Details
IRA CD .25% Increase (APY): 2.05%
Nampa 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
215 3rd Ave S, Nampa, ID 83651 3758
18 Month Promo CD
$500
4.20%
▲ 0.80% above Idaho avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.80% above avgNationally 2.67%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 18 Months
$0
3.70%
▲ 0.30% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.30% above avgNationally 2.67%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
18 Month - One Jump
$0
3.70%
▲ 0.30% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.30% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
18 Month Certificate Account
$500
3.55%
▲ 0.15% above Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.15% above avgNationally 2.67%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 18 Months
$0
3.55%
▲ 0.15% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.15% above avgNationally 2.67%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
18 Months
$50,000
1.80%
▼ 1.60% below Idaho avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 1.60% below avgNationally 2.67%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
18 Months
$10,000
1.75%
▼ 1.65% below Idaho avg
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 1.65% below avgNationally 2.67%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
18 Months
$500
1.70%
▼ 1.70% below Idaho avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 1.70% below avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.60%
▲ 1.20% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 1.20% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.45%
▲ 1.05% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 1.05% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 18 Months
$0
4.30%
▲ 0.90% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.90% above avgNationally 2.67%
Details
Health Care Idaho Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
18-Month Promo CD
$0
4.20%
▲ 0.80% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.80% above avgNationally 2.67%
Details
Limited-time offer
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
4.10%
▲ 0.70% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.70% above avgNationally 2.67%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month
$0
3.95%
▲ 0.55% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.55% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
3.95%
▲ 0.55% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.55% above avgNationally 2.67%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
18 Month IRA
$0
3.91%
▲ 0.51% above Idaho avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.51% above avgNationally 2.67%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 18 Months
$0
3.80%
▲ 0.40% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.40% above avgNationally 2.67%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
18 Month CD
$0
3.75%
▲ 0.35% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.35% above avgNationally 2.67%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
18 Month Variable
$0
3.72%
▲ 0.32% above Idaho avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.32% above avgNationally 2.67%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.58%
▲ 0.18% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.18% above avgNationally 2.67%
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.58%
▲ 0.18% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.18% above avgNationally 2.67%
Details
Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.53%
▲ 0.13% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.13% above avgNationally 2.67%
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 18 Month CD
$0
3.53%
▲ 0.13% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.13% above avgNationally 2.67%
Details
Payment Frequency: Semiannually
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Month Certificate
$0
3.50%
▲ 0.10% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.10% above avgNationally 2.67%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 18 Month
$0
3.50%
▲ 0.10% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▲ 0.10% above avgNationally 2.67%
Details
$95,000
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month BUMP
$500
3.30%
▼ 0.10% below Idaho avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 0.10% below avgNationally 2.67%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 18 Month Fixed Rate
$0
3.25%
▼ 0.15% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 0.15% below avgNationally 2.67%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Months
$0
3.25%
▼ 0.15% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 0.15% below avgNationally 2.67%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 18 Months
$0
1.85%
▼ 1.55% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.40%▼ 1.55% below avgNationally 2.67%
Details
IRA CD .25% Increase (APY): 2.10%
Nampa 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
215 3rd Ave S, Nampa, ID 83651 3758
24 Month Promo CD
$500
4.00%
▲ 0.69% above Idaho avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.69% above avgNationally 2.71%
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6034 Birch Ln, Nampa, ID 83687
IRA Term Certificate 24 Months
$0
3.90%
▲ 0.59% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.59% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
24 Month
$0
3.87%
▲ 0.56% above Idaho avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.56% above avgNationally 2.71%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
24 Month IRA
$0
3.87%
▲ 0.56% above Idaho avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.56% above avgNationally 2.71%
Details
With .25% Bonus*
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
24 Month
$1,000
3.61%
▲ 0.30% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.30% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
24 Month IRA
$500
3.61%
▲ 0.30% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.30% above avgNationally 2.71%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 24 Months
$0
3.60%
▲ 0.29% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.29% above avgNationally 2.71%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
2 Year - One Jump
$0
3.60%
▲ 0.29% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.29% above avgNationally 2.71%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 24 Months
$0
3.55%
▲ 0.24% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.24% above avgNationally 2.71%
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
2 Year Certificate
$0
2.75%
▼ 0.56% below Idaho avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.56% below avgNationally 2.71%
Details
Early Withdrawal 90 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
2 Year IRA Certificate
$0
2.75%
▼ 0.56% below Idaho avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.56% below avgNationally 2.71%
Details
Early Withdrawal 90 day Penalty
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
24 Months
$50,000
1.90%
▼ 1.41% below Idaho avg
▼
Rate1.89%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.41% below avgNationally 2.71%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
24 Months
$10,000
1.85%
▼ 1.46% below Idaho avg
▼
Rate1.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.46% below avgNationally 2.71%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
24 Months
$500
1.80%
▼ 1.51% below Idaho avg
▼
Rate1.79%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.51% below avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 24 Months
$0
4.30%
▲ 0.99% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.99% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 24 Months
$0
4.15%
▲ 0.84% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.84% above avgNationally 2.71%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
24 Month
$0
3.95%
▲ 0.64% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.64% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.90%
▲ 0.59% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.59% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.80%
▲ 0.49% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.49% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.75%
▲ 0.44% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.44% above avgNationally 2.71%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
24 Month Certificate
$0
3.75%
▲ 0.44% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.44% above avgNationally 2.71%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 24 Month
$0
3.75%
▲ 0.44% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.44% above avgNationally 2.71%
Details
$95,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.65%
▲ 0.34% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.34% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 24 Months
$0
3.60%
▲ 0.29% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.29% above avgNationally 2.71%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.55%
▲ 0.24% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.24% above avgNationally 2.71%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.55%
▲ 0.24% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.24% above avgNationally 2.71%
Details
Payment Frequency: Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
2 Year (24 Month) CD
$0
3.50%
▲ 0.19% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.19% above avgNationally 2.71%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 2 Year CD
$0
3.50%
▲ 0.19% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.19% above avgNationally 2.71%
Details
Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 24 Months
$0
3.50%
▲ 0.19% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.19% above avgNationally 2.71%
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
24 Month
$0
3.50%
▲ 0.19% above Idaho avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.19% above avgNationally 2.71%
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
24 Month
$0
3.50%
▲ 0.19% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.19% above avgNationally 2.71%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
24 Month IRA CD
$0
3.41%
▲ 0.10% above Idaho avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.10% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
24 Months
$0
3.40%
▲ 0.09% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.09% above avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 24 Months
$100,000
3.40%
▲ 0.09% above Idaho avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▲ 0.09% above avgNationally 2.71%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
24 Month CD
$0
3.25%
▼ 0.06% below Idaho avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.06% below avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
24 Months
$0
3.25%
▼ 0.06% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.06% below avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 24 Months
$50,000
3.25%
▼ 0.06% below Idaho avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.06% below avgNationally 2.71%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Months
$0
3.25%
▼ 0.06% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.06% below avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
24 Months
$0
3.10%
▼ 0.21% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.21% below avgNationally 2.71%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 24 Months
$500
3.10%
▼ 0.21% below Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.21% below avgNationally 2.71%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 24 Month Fixed Rate
$0
3.00%
▼ 0.31% below Idaho avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.31% below avgNationally 2.71%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month BUMP
$500
3.00%
▼ 0.31% below Idaho avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 0.31% below avgNationally 2.71%
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
24 Months
$1,000
2.02%
▼ 1.29% below Idaho avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.29% below avgNationally 2.71%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 24 Months
$0
1.90%
▼ 1.41% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.41% below avgNationally 2.71%
Details
IRA CD .25% Increase (APY): 2.15%
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
2 Years
$0
1.76%
▼ 1.55% below Idaho avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.31%▼ 1.55% below avgNationally 2.71%
Details
Nampa 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
36 Month
$0
3.87%
▲ 0.76% above Idaho avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.76% above avgNationally 2.66%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
36 Month IRA
$0
3.87%
▲ 0.76% above Idaho avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.76% above avgNationally 2.66%
Details
With .25% Bonus*
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
36 Month
$1,000
3.61%
▲ 0.50% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.50% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
36 Month IRA
$500
3.61%
▲ 0.50% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.50% above avgNationally 2.66%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 36 Months
$0
3.60%
▲ 0.49% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.49% above avgNationally 2.66%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
3 Year -- One Jump
$0
3.40%
▲ 0.29% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.29% above avgNationally 2.66%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 36 Months
$0
3.35%
▲ 0.24% above Idaho avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.24% above avgNationally 2.66%
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Year Certificate
$0
2.75%
▼ 0.36% below Idaho avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.36% below avgNationally 2.66%
Details
Early Withdrawal 90 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Year IRA Certificate
$0
2.75%
▼ 0.36% below Idaho avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.36% below avgNationally 2.66%
Details
Early Withdrawal 90 day Penalty
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
36 Months
$50,000
2.00%
▼ 1.11% below Idaho avg
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 1.11% below avgNationally 2.66%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
36 Months
$10,000
1.95%
▼ 1.16% below Idaho avg
▼
Rate1.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 1.16% below avgNationally 2.66%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
36 Months
$500
1.90%
▼ 1.21% below Idaho avg
▼
Rate1.89%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 1.21% below avgNationally 2.66%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
36 Month
$0
3.95%
▲ 0.84% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.84% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.75%
▲ 0.64% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.64% above avgNationally 2.66%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Month Certificate
$0
3.75%
▲ 0.64% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.64% above avgNationally 2.66%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 36 Month
$0
3.75%
▲ 0.64% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.64% above avgNationally 2.66%
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
36 Month
$0
3.60%
▲ 0.49% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.49% above avgNationally 2.66%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.55%
▲ 0.44% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.44% above avgNationally 2.66%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.55%
▲ 0.44% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.44% above avgNationally 2.66%
Details
Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.55%
▲ 0.44% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.44% above avgNationally 2.66%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Year (36 Month) CD
$0
3.50%
▲ 0.39% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.39% above avgNationally 2.66%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 3 Year CD
$0
3.50%
▲ 0.39% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.39% above avgNationally 2.66%
Details
Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 month
$0
3.50%
▲ 0.39% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.39% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.50%
▲ 0.39% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.39% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 36 Months
$0
3.35%
▲ 0.24% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.24% above avgNationally 2.66%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
36 Month IRA CD
$0
3.30%
▲ 0.19% above Idaho avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.19% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.30%
▲ 0.19% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.19% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 36 Months
$0
3.25%
▲ 0.14% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.14% above avgNationally 2.66%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Months
$0
3.25%
▲ 0.14% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.14% above avgNationally 2.66%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
36 Month CD
$0
3.15%
▲ 0.04% above Idaho avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▲ 0.04% above avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 36 Months
$0
3.10%
▼ 0.01% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.01% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 36 Months
$0
3.05%
▼ 0.06% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.06% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
3.00%
▼ 0.11% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.11% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 36 Months
$100,000
3.00%
▼ 0.11% below Idaho avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.11% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 36 Months
$0
2.85%
▼ 0.26% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.26% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
2.80%
▼ 0.31% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.31% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 36 Months
$50,000
2.80%
▼ 0.31% below Idaho avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.31% below avgNationally 2.66%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month BUMP
$500
2.75%
▼ 0.36% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.36% below avgNationally 2.66%
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
36 Month
$0
2.75%
▼ 0.36% below Idaho avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.36% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
36 Months
$0
2.60%
▼ 0.51% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.51% below avgNationally 2.66%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 36 Months
$500
2.60%
▼ 0.51% below Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.51% below avgNationally 2.66%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 36 Month Fixed Rate
$0
2.50%
▼ 0.61% below Idaho avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.61% below avgNationally 2.66%
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3 Years
$0
2.27%
▼ 0.84% below Idaho avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 0.84% below avgNationally 2.66%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 36 Months
$0
2.10%
▼ 1.01% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 1.01% below avgNationally 2.66%
Details
IRA CD .25% Increase (APY): 2.35%
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
36 Months
$1,000
1.26%
▼ 1.85% below Idaho avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.11%▼ 1.85% below avgNationally 2.66%
Details
Nampa 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 48 Months
$0
3.60%
▲ 0.63% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.63% above avgNationally 2.65%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
4 Year -- One Jump
$0
3.50%
▲ 0.53% above Idaho avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.53% above avgNationally 2.65%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 48 Months
$0
3.45%
▲ 0.48% above Idaho avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.48% above avgNationally 2.65%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
48 Month
$1,000
3.45%
▲ 0.48% above Idaho avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.48% above avgNationally 2.65%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
48 Month IRA
$500
3.45%
▲ 0.48% above Idaho avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.48% above avgNationally 2.65%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
48 Months
$50,000
2.05%
▼ 0.92% below Idaho avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.92% below avgNationally 2.65%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
48 Months
$10,000
2.00%
▼ 0.97% below Idaho avg
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.97% below avgNationally 2.65%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
48 Months
$500
1.95%
▼ 1.02% below Idaho avg
▼
Rate1.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 1.02% below avgNationally 2.65%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
48 Month
$0
3.95%
▲ 0.98% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.98% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.75%
▲ 0.78% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.78% above avgNationally 2.65%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Month Certificate
$0
3.75%
▲ 0.78% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.78% above avgNationally 2.65%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 0.78% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.78% above avgNationally 2.65%
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
48 Month
$0
3.60%
▲ 0.63% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.63% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.55%
▲ 0.58% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.58% above avgNationally 2.65%
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month
$0
3.50%
▲ 0.53% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.53% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.50%
▲ 0.53% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.53% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 48 Months
$0
3.35%
▲ 0.38% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.38% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.30%
▲ 0.33% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.33% above avgNationally 2.65%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Months
$0
3.30%
▲ 0.33% above Idaho avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.33% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
3.25%
▲ 0.28% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.28% above avgNationally 2.65%
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
48 Month CD
$0
3.15%
▲ 0.18% above Idaho avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.18% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 48 Months
$0
3.10%
▲ 0.13% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.13% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
3.05%
▲ 0.08% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.08% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
3.00%
▲ 0.03% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.03% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 48 Months
$100,000
3.00%
▲ 0.03% above Idaho avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▲ 0.03% above avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 48 Months
$0
2.85%
▼ 0.12% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.12% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
2.80%
▼ 0.17% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.17% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 48 Months
$50,000
2.80%
▼ 0.17% below Idaho avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.17% below avgNationally 2.65%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month BUMP
$500
2.75%
▼ 0.22% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.22% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
48 Months
$0
2.60%
▼ 0.37% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.37% below avgNationally 2.65%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 48 Months
$500
2.60%
▼ 0.37% below Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.37% below avgNationally 2.65%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 48 Month Fixed Rate
$0
2.50%
▼ 0.47% below Idaho avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.47% below avgNationally 2.65%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 48 Months
$0
2.20%
▼ 0.77% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.77% below avgNationally 2.65%
Details
IRA CD .25% Increase (APY): 2.45%
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
4 Years
$0
2.12%
▼ 0.85% below Idaho avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 0.85% below avgNationally 2.65%
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
48 Months
$1,000
0.40%
▼ 2.57% below Idaho avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average2.97%▼ 2.57% below avgNationally 2.65%
Details
Nampa 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
215 3rd Ave S, Nampa, ID 83651 3758
60 Month Promo CD
$500
3.90%
▲ 0.68% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.68% above avgNationally 2.76%
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1001 Caldwell Blvd, Nampa, ID 83651
5 Year -- One Jump
$0
3.75%
▲ 0.53% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.53% above avgNationally 2.76%
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
421 11th Ave S, Nampa, ID 83651
Share & IRA Certificates 60 Months
$0
3.65%
▲ 0.43% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.43% above avgNationally 2.76%
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
3000 12th Ave Rd, Nampa, ID 83686 8400
ROTH IRA Term Certificate 60 Months
$0
3.55%
▲ 0.33% above Idaho avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
60 Month
$1,000
3.55%
▲ 0.33% above Idaho avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
164 E Maine Ave, Nampa, ID 83646
60 Month IRA
$500
3.55%
▲ 0.33% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
60 Months
$50,000
2.10%
▼ 1.12% below Idaho avg
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 1.12% below avgNationally 2.76%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
60 Months
$10,000
2.05%
▼ 1.17% below Idaho avg
▼
Rate2.03%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 1.17% below avgNationally 2.76%
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
16275 N Marketplace Blvd, Nampa, ID 83687 5141
60 Months
$500
2.00%
▼ 1.22% below Idaho avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 1.22% below avgNationally 2.76%
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months Certificate
$500
4.30%
▲ 1.08% above Idaho avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 1.08% above avgNationally 2.76%
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
60 Months
$500
4.15%
▲ 0.93% above Idaho avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.93% above avgNationally 2.76%
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
60 Month
$0
4.00%
▲ 0.78% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.78% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.75%
▲ 0.53% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.53% above avgNationally 2.76%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Month Certificate
$0
3.75%
▲ 0.53% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.53% above avgNationally 2.76%
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jumbo Certificates or more) - 60 Month
$0
3.75%
▲ 0.53% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.53% above avgNationally 2.76%
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
60 Month
$0
3.60%
▲ 0.38% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.38% above avgNationally 2.76%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.55%
▲ 0.33% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.55%
▲ 0.33% above Idaho avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.55%
▲ 0.33% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.33% above avgNationally 2.76%
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.50%
▲ 0.28% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.28% above avgNationally 2.76%
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
Business 5 Year CD
$0
3.50%
▲ 0.28% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.28% above avgNationally 2.76%
Details
Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 month
$0
3.50%
▲ 0.28% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.28% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.50%
▲ 0.28% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.28% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA CD 60 Months
$0
3.35%
▲ 0.13% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.13% above avgNationally 2.76%
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Months
$0
3.35%
▲ 0.13% above Idaho avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.13% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.30%
▲ 0.08% above Idaho avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.08% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.30%
▲ 0.08% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.08% above avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 60 Months
$0
3.25%
▲ 0.03% above Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▲ 0.03% above avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.15%
▼ 0.07% below Idaho avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.07% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
IRA Bump CD 60 Months
$0
3.10%
▼ 0.12% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.12% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 60 Months
$0
3.05%
▼ 0.17% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.17% below avgNationally 2.76%
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
Business 60 Months
$0
3.00%
▼ 0.22% below Idaho avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.22% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
3.00%
▼ 0.22% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.22% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 60 Months
$100,000
3.00%
▼ 0.22% below Idaho avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.22% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Fixed CD 60 Months
$0
2.85%
▼ 0.37% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.37% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
2.80%
▼ 0.42% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.42% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 60 Months
$50,000
2.80%
▼ 0.42% below Idaho avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.42% below avgNationally 2.76%
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month BUMP
$500
2.75%
▼ 0.47% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.47% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
60 Months
$0
2.60%
▼ 0.62% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.62% below avgNationally 2.76%
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Bump CD - 60 Months
$500
2.60%
▼ 0.62% below Idaho avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.62% below avgNationally 2.76%
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business 60 Month Fixed Rate
$0
2.50%
▼ 0.72% below Idaho avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.72% below avgNationally 2.76%
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share/IRA Certificates 60 Months
$0
2.35%
▼ 0.87% below Idaho avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 0.87% below avgNationally 2.76%
Details
IRA CD .25% Increase (APY): 2.60%
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
5 Years
$0
2.02%
▼ 1.20% below Idaho avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 1.20% below avgNationally 2.76%
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
60 Months
$1,000
0.40%
▼ 2.82% below Idaho avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Idaho Average3.22%▼ 2.82% below avgNationally 2.76%
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Nampa, ID CD Rate Trends
Compare local Nampa, ID CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ID Avg
2.541%
▼ 0.607 vs 7 days ago
Idaho 12-month CD rates fell 0.607 points over the past 7 days to 2.541% APY.
6-Month CD — ID Avg
2.049%
▼ 0.894 vs 7 days ago
Idaho 6-month CD rates fell 0.894 points over the past 7 days to 2.049% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
ID CD Rate Forecast — Next 12 Months
Where are Idaho CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
2.541%
6-Month Forecast
2.541%
Range: 2.34% – 2.69%
12-Month Forecast
2.291%
Range: 2.09% – 2.44%
Powered by
MonitorBankRates
What Your Savings Earn at ID CD Rates Today
Annual interest earnings at today’s Idaho average APYs. State average used where available; national average as fallback.
| CD Term | ID Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.146% | $57.32 | $114.63 | $286.58 | $573.15 |
| 6-Month CD | 2.049% | $102.47 | $204.93 | $512.33 | $1,024.65 |
| 12-Month CD | 2.541% | $127.06 | $254.12 | $635.30 | $1,270.60 |
| 18-Month CD | 3.401% | $170.04 | $340.08 | $850.20 | $1,700.40 |
| 24-Month CD | 3.307% | $165.33 | $330.66 | $826.65 | $1,653.30 |
| 36-Month CD | 3.108% | $155.41 | $310.81 | $777.03 | $1,554.05 |
| 48-Month CD | 2.973% | $148.65 | $297.29 | $743.23 | $1,486.45 |
| 60-Month CD | 3.223% | $161.16 | $322.31 | $805.78 | $1,611.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Nampa, Idaho Savers
$25,000 split equally across 5 terms using today’s Idaho average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ID Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.146% | $57.32 |
| 2 | 6-Month CD | $5,000 | 2.049% | $102.47 |
| 3 | 12-Month CD | $5,000 | 2.541% | $127.06 |
| 4 | 24-Month CD | $5,000 | 3.307% | $165.33 |
| 5 | 36-Month CD | $5,000 | 3.108% | $155.41 |
| Total ($25,000 invested) | $25,000 | 2.430% blended | $607.59/yr | |
Ladder example uses equal $5,000 rungs and Idaho average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
240
CD Rates
Tracked in Nampa, Idaho
Tracked in Nampa, Idaho
6 Banks
23 Credit Unions
About Our Nampa, Idaho CD Rate Database
MonitorBankRates tracks 240 CD rates from 6 banks and 23 credit unions with locations in Nampa, Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Idaho Central Credit Union offers a CD at 4.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Nampa, Idaho.
How to Find the Best CD Rates in Nampa, Idaho
What to compare when shopping for a CD in Nampa, Idaho
To find the best APYs in Nampa, Idaho, start with credit unions and online-only banks — Nampa, Idaho has 23 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Nampa, Idaho
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Nampa, Idaho — 29 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Nampa, Idaho savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Nampa, Idaho money market rates
Nampa, Idaho Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
14.5%
National avg: 17.3%
Median Individual Earnings
$36,356
National avg: $47,340
Poverty Rate
11.5%
National avg: 11.1%
Unemployment Rate
3.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$92/yr
At ID 12-mo avg 2.541% APY
14.5% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.1% reflects a strong local economy. At today’s ID 12-month CD average of 2.541%, saving 10% of the local median salary ($3,635/year) and putting it in a CD would earn an additional $92 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Nampa, Idaho
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Nampa, Idaho
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Nampa, Idaho typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Nampa, Idaho as everywhere in the U.S.
Choosing a CD Term in Nampa, Idaho
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Nampa, Idaho savers easier access to their funds. For example, Idaho Central Credit Union is offering its 6 Month Promo CD at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Idaho Central Credit Union is offering its 60 Month Promo CD at 3.90% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Nampa, Idaho Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Nampa, Idaho saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Nampa, Idaho
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Nampa, Idaho CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Nampa, Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Nampa, Idaho depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Nampa, Idaho
Are CD rates in Nampa, Idaho FDIC insured?
Yes, most established banks in Nampa, Idaho are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Nampa, Idaho?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Nampa, Idaho.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Nampa, Idaho may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Nampa, Idaho?
Here are recent top rates found for this area:
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Westmark Credit Union: 3.95% APY (IRA Term Certificate 12 Months)
- Horizon Credit Union: 3.87% APY (24 Month)
- Pioneer Federal Credit Union: 3.75% APY (ROTH IRA Term Certificate 12 Months)
- Connections Credit Union: 3.75% APY (5 Year -- One Jump)
- Potlatch No 1 Financial Credit Union: 3.65% APY (Share & IRA Certificates 60 Months)
- Northwest Christian Credit Union: 3.40% APY (12 Month Certificate)
- Silverado Credit Union: 3.20% APY (1 Year Certificate)
- CAPITAL EDUCATORS: 2.10% APY (60 Months)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
Rates reflect recent verified offers available in Nampa, Idaho. Last Updated: August 28, 2026
Nampa, Idaho CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Nampa, Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Nampa, Idaho
Nampa, Idaho CD Calculator
At today’s ID top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Nampa, Idaho CD LadderID CD rates currently range from 1.146% (3-month) to 3.108% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Nampa, Idaho CD at 4.20% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIdaho’s average 12-month CD is 2.541% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Nampa, Idaho CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Nampa, Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Nampa, Idaho. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: August 28, 2026
Nampa, Idaho Rates & Resources
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